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Exzeo GroupXZO +1.52%39 ROA % is 24.32% as of Jun. 2026. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 502 Insurance companies, Exzeo Group ranks better than 98.61% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Exzeo Group's annualizedNet Income for the quarter that ended in Jun. 2026 was $93.1 Mil.
Exzeo Group's average Total Assets over the quarter that ended in Jun. 2026 was $382.8 Mil. Therefore, Exzeo Group's annualized ROA % for the quarter that ended in Jun. 2026 was 24.32%.
The historical rank and industry rank for Exzeo Group's ROA % or its related term are showing as below:
XZO'
s ROA % Range Over the Past 10 Years
Min: -37.64 Med: -1.95 Max: 37.86
Current: 29.8
During the past 6 years, Exzeo Group's highest ROA % was 37.86%. The lowest was -37.64%. And the median was -1.95%.
XZO's ROA % is ranked better than 98.61% of 502
companies
in the Insurance industry
Industry Median: 2.655
vs XZO: 29.80
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Exzeo Group ROA % Related Terms
Exzeo Group ROA % Historical Data
* Premium members only.
The historical data trend for Exzeo Group's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Diversified subindustry, Exzeo Group's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Exzeo Group ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's ROA % distribution charts can be found below:
* The bar in red indicates where Exzeo Group's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Exzeo Group (XZO) has a ROA % of 24.32% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Exzeo Group and its competitors. According to the industry distribution chart, Exzeo Group ranks #7 out of 502 companies in the Insurance industry, placing it in the top 1.4%.
Is Exzeo Group's ROA % too high?
Exzeo Group's current ROA % is 24.32%. The Insurance industry median ROA % is 2.66. Exzeo Group's value of 24.32% is 816% above this industry median. Based on the distribution chart, Exzeo Group ranks #7 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Exzeo Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Exzeo Group's ROA % compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #7 out of 502 companies for ROA %. This places Exzeo Group in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 2.66. Exzeo Group's value of 24.32% is 816% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.66, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current ROA % of 24.32% is 816% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median ROA % is 2.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current ROA % is 24.32%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exzeo Group stock overvalued right now?
Exzeo Group (XZO) has a current ROA % of 24.32%. The current ROA % is 24.32% and 816% above the Insurance industry median of 2.66. Exzeo Group's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Exzeo Group (XZO), the current ROA % is 24.32% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Exzeo Group Inc provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Its Insurance-as-a-Service (IaaS) platform, which it refers to as the Exzeo Platform, currently includes nine configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. Through the Exzeo Platform, the company provides technology-based solutions and services for all operational and administrative activities and functions needed by P&C insurance carriers and their agents.
39GF Score
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